Commercial Line of Credit

Flexible financing ready to meet you wherever you are

An Ongoing Source

Borrow, repay and then borrow again whenever you want.

Immediate Access

Write checks to instantly access your borrowing limit with our commercial lines of credit.

Get Overdraft Protection

Link to your First Citizens business checking account for automatic overdraft protection.


Know money is available when you need it

When you need a hand

Through First Citizens commercial lines of credit, you can borrow money over and over again to handle periodic needs. After qualifying, your business will receive a maximum borrowing limit for the line of credit.

There for you again and again

You can then borrow up to the limit, pay off the loan and borrow again as often as you want—there's no need to complete another application. After you qualify, you have immediate access to your commercial line of credit and can use it to write checks, cover bank account overdrafts and spend at your convenience.

A variety of options

First Citizens offers multiple options for commercial lines of credit. The most basic goes up to $10,000, but there are other options with larger limits. Our representatives will go over your situation to find the right program fit.

Remote Deposit Capture

Deposit money from anywhere

Deposit checks remotely for faster processing and extended deposit hours.
Purchasing Card

Control business expenses

Simplify business purchases, reduce paperwork and monitor expenses with the First Citizens Visa Purchasing Card.

People often ask us

A commercial line of credit lets you borrow up to a certain limit and pay interest only on the borrowed amount. With a First Citizens revolving line of credit, you can borrow and repay funds again and again, as long as you don't exceed your credit limit.

Yes. We have various lines of credit to meet your commercial business's cash flow needs and will work closely with you to determine what line of credit is best for you. Talk to a banker to get started.

A term loan provides financing for capital expenditures (such as vehicle or equipment needs or fixed assets) that are regularly amortized over a period of time. A commercial line of credit allows you to easily access funds whenever you need them for short-term financing needs. A lease can help you with vehicle and equipment financing and has potential tax benefits.

Yes. A business equity line allows business owners to tap the equity of their owner-occupied commercial property to meet both short- and long-term business needs. These needs might include the purchase of new property, additions and improvements to existing properties, and unexpected repairs or opportunities.

Your personal guarantee may be needed depending on the size and type of your commercial credit request.

Account openings and credit are subject to bank approval.

Links to third-party websites may have a privacy policy different from First Citizens Bank and may provide less security than this website. First Citizens Bank and its affiliates are not responsible for the products, services and content on any third-party website.

Bank deposit products are offered by First Citizens Bank. Member FDIC and an Equal Housing Lender. icon: sys-ehl.